{"id":1979,"date":"2025-06-30T08:17:56","date_gmt":"2025-06-30T08:17:56","guid":{"rendered":"https:\/\/vienapaskola.lt\/index.php\/2025\/06\/30\/finansu-istaigos-gerina-mokejimo-paslaugu-vartotoju-patirti-taciau-issukiu-dar-yra\/"},"modified":"2025-06-30T08:17:56","modified_gmt":"2025-06-30T08:17:56","slug":"finansu-istaigos-gerina-mokejimo-paslaugu-vartotoju-patirti-taciau-issukiu-dar-yra","status":"publish","type":"post","link":"https:\/\/vienapaskola.lt\/index.php\/2025\/06\/30\/finansu-istaigos-gerina-mokejimo-paslaugu-vartotoju-patirti-taciau-issukiu-dar-yra\/","title":{"rendered":"Finans\u0173 \u012fstaigos gerina mok\u0117jimo paslaug\u0173 vartotoj\u0173 patirt\u012f, ta\u010diau i\u0161\u0161\u016bki\u0173 dar yra"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"item_summary\">\n<p>Lietuvos bankas atrinkt\u0173 finans\u0173 \u012fstaig\u0173 papra\u0161\u0117 pakartotinai \u012fsivertinti, kaip joms sekasi \u012fgyvendinti i\u0161sakytus l\u016bkes\u010dius gerinant mok\u0117jimo paslaug\u0173 vartotoj\u0173 patirt\u012f, i\u0161vengti galim\u0173 teis\u0117s akt\u0173 pa\u017eeidim\u0173 ir veiklos tr\u016bkum\u0173. Apklausos duomenimis, 91 proc. l\u016bkes\u010di\u0173 yra visi\u0161kai tenkinami, 8,5 proc. \u2013 i\u0161 dalies, o 0,5 proc. \u2013 netenkinami (2023 m. apklausoje vertinimai buvo atitinkamai 90, 7,5 ir 2,5 %).<\/p>\n<\/p><\/div>\n<p>\u201eNaujausia apklausa rodo, kad finans\u0173 \u012fstaigos stengiasi atliepti klient\u0173 poreikius, ta\u010diau i\u0161\u0161\u016bki\u0173 dar yra. Daugiausia sprag\u0173 stebime su suk\u010diavimo atvejais susijusiose proced\u016brose, tod\u0117l finans\u0173 rinkos dalyvius raginame ie\u0161koti sprendim\u0173, pad\u0117ti \u012f suk\u010di\u0173 pinkles patekusiems asmenims. Svarbu ir tai, kad suk\u010diavimo patirtis i\u0161gyven\u0119 \u017emon\u0117s i\u0161 finans\u0173 \u012fstaig\u0173 sulaukt\u0173 pakankamai d\u0117mesio ir supratingumo\u201c,\u2013 sako Lietuvos banko Finans\u0173 rinkos prie\u017ei\u016bros departamento direktorius Vaidas Cibas.<\/p>\n<p>Dauguma finans\u0173 \u012fstaig\u0173 kaip silpniausi\u0105 srit\u012f \u012fvardijo mok\u0117jimo nurodym\u0173 at\u0161aukimo arba atsekimo proced\u016bras suk\u010diavimo atvejais. Beveik ketvirtadalis \u2013 24 proc. \u2013 finans\u0173 \u012fstaig\u0173 nurod\u0117, kad jos tik i\u0161 dalies tenkina \u0161i\u0173 proced\u016br\u0173 \u012fgyvendinim\u0105, 1 proc. \u012fstaig\u0173 tvirtino proced\u016br\u0173 netenkinan\u010dios, o 75 proc. \u012fstaig\u0173 teig\u0117, kad visi\u0161kai tenkina \u0161ias proced\u016bras.<\/p>\n<p>Nors kai kurios \u012fstaigos suteikia klientams galimyb\u0119 savaranki\u0161kai blokuoti mok\u0117jimo priemones arba teikti pra\u0161ymus d\u0117l mok\u0117jim\u0173 at\u0161aukimo per interneto bank\u0105 ar program\u0117l\u0119 bet kuriuo paros metu, gyvai susisiekti su finans\u0173 rinkos dalyvi\u0173 atstovais da\u017eniausiai galima tik darbo valandomis. Vis dar reta praktika \u2013 nuolat veikianti specializuota kontakt\u0173 linija su prioritetiniais telefono meniu punktais, tiesiogiai nukreipian\u010diais \u012f saugumo tarnyb\u0105.<\/p>\n<p>Finans\u0173 \u012fstaigos kaip silpn\u0105j\u0105 viet\u0105 \u012fvardijo ir mok\u0117jimo kortele atlikt\u0173 operacij\u0173 statuso \u201erezervuotos l\u0117\u0161os\u201c pateikim\u0105 klientams. Nors dauguma \u012fstaig\u0173 pateikia i\u0161sami\u0105 informacij\u0105 tiek interneto banke, tiek sutartyse ar da\u017eniausiai u\u017eduodam\u0173 klausim\u0173 (DUK) skiltyse, kartais esmin\u0117 informacija sunkiai randama, klientai nukreipiami ie\u0161koti jos kitur, pavyzd\u017eiui, partneri\u0173 interneto svetain\u0117se, o s\u0105voka \u201erezervuotos l\u0117\u0161os\u201c da\u017enai n\u0117ra tinkamai paai\u0161kinta.<\/p>\n<p>I\u0161\u0161\u016bki\u0173 kelia ir nepakankamas ai\u0161kumas d\u0117l mok\u0117jimo operacij\u0173 i\u0161laid\u0173 limito keitimo. Kai kurios \u012fstaigos u\u017etikrina, kad sprendimai b\u016bt\u0173 priimami per kelias darbo dienas, nurodo ai\u0161ki\u0105 apskundimo tvark\u0105 ir pagrind\u017eia, kod\u0117l limito padidinti negalima. Vis d\u0117lto pasitaiko atvej\u0173, kai pra\u0161ymai atmetami be i\u0161samaus paai\u0161kinimo arba informacija apie toki\u0105 galimyb\u0119 n\u0117ra lengvai prieinama interneto svetain\u0117je arba jos n\u0117ra bendrosiose s\u0105lygose.<\/p>\n<p>Netikslum\u0173 nustatyta ir vertinant bankomat\u0173 problemas. Nors dauguma \u012fstaig\u0173 leid\u017eia patogiai pateikti skundus per interneto bank\u0105 ar program\u0117l\u0119, o atsakymai da\u017eniausiai pateikiami per 15 darbo dien\u0173, vis dar tr\u016bksta ai\u0161ki\u0173 nurodym\u0173, k\u0105 klientui daryti, jei, jo teigimu, l\u0117\u0161os buvo nuskaitytos, bet bankomatas j\u0173 nei\u0161dav\u0117. Tokiais atvejais taikoma tvarka ne visada yra ai\u0161kiai apibr\u0117\u017eta, skundai \u012ftraukiami \u012f bendr\u0105 proces\u0105 be konkretaus veiksm\u0173 plano, o tai riboja galimybes greitai i\u0161spr\u0119sti problem\u0105.<\/p>\n<p>Lietuvos banko vertinimu, vartotojams klausim\u0173 kyla ir tuomet, kai elektronini\u0173 pinig\u0173 \u012fstaigos mok\u0117jimo paslaug\u0173 teikimui pasitelkia tre\u010diuosius asmenis \u2013 tarpininkus, el. pinig\u0173 platintojus ir kt. Nors pa\u010dios \u012fstaigos ypa\u010d gerai \u012fvertino taikom\u0105 tre\u010di\u0173j\u0173 asmen\u0173 veiklos kontrol\u0117s praktik\u0105, vartotojams da\u017enai neai\u0161ku, kas fakti\u0161kai teikia paslaug\u0105 ir su kuo juos sieja teisinis santykis, kai \u0161i informacija pateikiama tik bendrosiose sutartyse ar vie\u0161ai prieinamuose \u0161altiniuose. Taip pat kartais partneri\u0173 pateikiami atsakymai n\u0117ra i\u0161sam\u016bs ir motyvuoti.<\/p>\n<p>Finans\u0173 \u012fstaigos pa\u017eym\u0117jo teigiam\u0105 pa\u017eang\u0105 klient\u0173 patirties, taikant pinig\u0173 plovimo ir terorist\u0173 finansavimo (PPTF) prevencijos priemones, srityje \u2013 84\u202f proc. \u012fstaig\u0173 \u0161i\u0105 srit\u012f \u012fsivertino kaip visi\u0161kai tenkinan\u010di\u0105, 14 \u202fproc. \u2013 kaip i\u0161 dalies tenkinan\u010di\u0105, o 2 \u202fproc. \u2013 kaip netenkinan\u010di\u0105.<\/p>\n<p>Komunikacija apie PPTF su klientais vykdoma ai\u0161kia ir suprantama kalba, da\u017enai papildoma DUK ir pavyzd\u017eiais, o klientams suteikiamos \u012fvairios galimyb\u0117s susisiekti \u2013 el. pa\u0161tu, telefonu, per interneto bank\u0105 ar fiziniuose skyriuose. Kai kurios \u012fstaigos jau si\u016blo arba planuoja 24\/7 konsultacijas, o tai reik\u0161mingai pagerina paslaug\u0173 prieinamum\u0105.<\/p>\n<p>\u201ePa\u017eink savo klient\u0105\u201c (angl. <em>know your client<\/em>, KYC) klausimynai pritaikomi pagal klient\u0173 tipus ir rizikos lyg\u012f, o reagavimo terminai paprastai labai trumpi \u2013 da\u017eniausiai per vien\u0105 darbo dien\u0105. Vis d\u0117lto pasitaiko situacij\u0173, kai paskyra u\u017eblokuojama be galimyb\u0117s greitai susisiekti su finans\u0173 \u012fstaigos atstovu, d\u0117l to kyla klient\u0173 nepasitenkinimas.<\/p>\n<p>Lietuvos bankas primena, kad turi b\u016bti u\u017etikrintas tinkamas vartotoj\u0173 informavimas viso PPTF rizikos valdymo priemoni\u0173 taikymo laikotarpiu.<\/p>\n<p>Lietuvos bankas, \u012fvertin\u0119s finans\u0173 \u012fstaigos apklausos metu surinkt\u0105 informacij\u0105, toliau ai\u0161kinsis, kod\u0117l nebuvo \u012fgyvendintos visos rekomendacijos, analizuos kylan\u010dias problemas, teiks konsultacijas ir metodin\u0119 pagalb\u0105 finans\u0173 \u012fstaigoms. Jei prie\u017ei\u016bros metu surinkta informacija neatitiks apklausos atsakym\u0173, Lietuvos bankas kreipsis d\u0117l paai\u0161kinim\u0173 ir svarstys papildomas priemones mok\u0117jimo paslaug\u0173 vartotoj\u0173 patir\u010diai gerinti.<\/p>\n<\/p><\/div>\n<p><script>\n    !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?\n            n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;\n            n.push=n;n.loaded=!0;n.version='2.0';n.queue=[];t=b.createElement(e);t.async=!0;\n            t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,\n        document,'script','https:\/\/connect.facebook.net\/en_US\/fbevents.js');\n    fbq('init', '449445692451263'); \/\/ Insert your pixel ID here.\n    fbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.lb.lt\/lt\/naujienos\/finansu-istaigos-gerina-mokejimo-paslaugu-vartotoju-patirti-taciau-issukiu-dar-yra\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lietuvos bankas atrinkt\u0173 finans\u0173 \u012fstaig\u0173 papra\u0161\u0117 pakartotinai \u012fsivertinti, kaip joms sekasi \u012fgyvendinti i\u0161sakytus l\u016bkes\u010dius gerinant mok\u0117jimo paslaug\u0173 vartotoj\u0173 patirt\u012f, i\u0161vengti galim\u0173 teis\u0117s akt\u0173 pa\u017eeidim\u0173 ir veiklos tr\u016bkum\u0173. Apklausos duomenimis, 91 proc. l\u016bkes\u010di\u0173 yra visi\u0161kai tenkinami, 8,5 proc. \u2013 i\u0161 dalies, o 0,5 proc. \u2013 netenkinami (2023 m. apklausoje vertinimai buvo atitinkamai 90, 7,5 ir 2,5 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1980,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[327,801,4245,4233,4244,679,720,843,284,668,165],"class_list":["post-1979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-dar","tag-finansu","tag-gerina","tag-issukiu","tag-istaigos","tag-mokejimo","tag-paslaugu","tag-patirti","tag-taciau","tag-vartotoju","tag-yra"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Lietuvos bankas atrinkt\u0173 finans\u0173 \u012fstaig\u0173 papra\u0161\u0117 pakartotinai \u012fsivertinti, kaip joms sekasi \u012fgyvendinti i\u0161sakytus l\u016bkes\u010dius gerinant mok\u0117jimo paslaug\u0173 vartotoj\u0173 patirt\u012f, i\u0161vengti galim\u0173 teis\u0117s akt\u0173 pa\u017eeidim\u0173 ir veiklos tr\u016bkum\u0173. 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